Working with Insurance Adjusters
Understanding the different types of insurance adjusters and how to work with them effectively can significantly impact your claim outcome. Here's everything you need to know about navigating the adjustment process.
Types of Insurance Adjusters
Company Adjusters (Staff Adjusters)
Who they work for: Your insurance company
Their role: Evaluate damage and determine how much the insurance company will pay
Important to know: While they may be friendly and helpful, their primary loyalty is to the insurance company, not to you. Their goal is to settle claims fairly but also to protect the company's interests.
Independent Adjusters
Who they work for: Hired by insurance companies on a contract basis
Their role: Same as company adjusters, but they're contractors rather than employees
Important to know: Often used during catastrophes when there's a high volume of claims. They still represent the insurance company's interests.
Public Adjusters
Who they work for: YOU, the policyholder
Their role: Advocate for you, document damage, prepare your claim, and negotiate with the insurance company on your behalf
Important to know: The only type of adjuster who works exclusively for you. They're licensed professionals who typically work on a contingency basis (percentage of the settlement).
What to Expect During the Inspection
When the insurance company's adjuster comes to inspect your property, here's what typically happens:
- 1. Initial Meeting
The adjuster will introduce themselves and explain the inspection process. They may ask you to describe what happened.
- 2. Property Walkthrough
They'll tour the damaged areas, taking photos and notes. This typically takes 30 minutes to several hours depending on the extent of damage.
- 3. Documentation Review
They may ask to see your documentation, receipts, or other supporting materials.
- 4. Questions and Answers
The adjuster will ask questions about the damage, when it occurred, and what actions you've taken.
- 5. Next Steps
They'll explain the timeline for receiving their assessment and settlement offer.
Best Practices When Working with Company Adjusters
- ✓Be Present During the Inspection
Don't let the adjuster inspect alone. Point out all damage and make sure nothing is missed.
- ✓Be Honest and Accurate
Provide truthful information. Exaggerating or lying can result in claim denial.
- ✓Stick to the Facts
Describe what happened without speculation. Don't admit fault or make assumptions about coverage.
- ✓Take Your Own Notes
Document what the adjuster looks at, what they say, and any concerns they raise.
- ✓Ask Questions
Don't be afraid to ask about the process, timeline, or anything you don't understand.
- ✓Get Contact Information
Make sure you have the adjuster's name, phone number, email, and claim number.
What NOT to Do
- ✗Don't Sign Anything Without Reading Carefully
Especially releases or settlement agreements. Once signed, you may give up your right to additional compensation.
- ✗Don't Accept the First Offer Without Review
Initial offers are often negotiable. Get independent estimates before accepting.
- ✗Don't Provide Recorded Statements Unprepared
Your words can be used against you. Consider having a public adjuster present.
- ✗Don't Be Confrontational
Stay professional and courteous, even if you disagree with their assessment.
- ✗Don't Rush the Process
Take time to ensure all damage is discovered and properly documented.
When to Hire a Public Adjuster
Consider hiring a public adjuster if:
- Your claim is large or complex (typically over $10,000)
- You're not comfortable negotiating with the insurance company
- The insurance company's offer seems too low
- Your claim has been denied or delayed
- You don't have time to manage the claims process
- There's significant structural damage or hidden damage
- You're dealing with a catastrophic loss
The Advantage of Having Your Own Adjuster
When you hire a public adjuster, you level the playing field. Here's what they do for you:
- ✓ Conduct a thorough damage assessment
- ✓ Prepare and document your entire claim
- ✓ Calculate the true cost of repairs and replacement
- ✓ Handle all communication with the insurance company
- ✓ Negotiate for the maximum settlement
- ✓ Ensure all policy benefits are utilized
- ✓ Save you time and reduce stress
Understanding the Power Dynamic
It's important to understand that insurance companies are businesses focused on profitability. While they have an obligation to honor valid claims, they also have an incentive to minimize payouts. Company adjusters are trained professionals who handle claims every day - you're likely handling your first major claim.
Having your own public adjuster creates balance. You get an experienced professional who knows the insurance industry, understands policy language, and has your best interests at heart.